Brian breaks down the most misunderstood aspect of Infinite Banking: loan repayments. Why do we pay ourselves back at market rates? What does EVA actually mean? And what happens when you pay yourself more than the insurance company charges?
Most people think being their own banker means they can be loose with repayment—skip payments, pay whenever, charge themselves whatever rate feels right. You can, per the contract. But should you? This episode reveals why maintaining market-rate discipline for the full loan duration is what separates wealth builders from people who just talk about IBC. Brian explains where that "extra interest" actually goes, how to decide how much to pay against your loan, and how Parkinson's Law can destroy generational wealth before it ever gets started.
Discipline is what builds legacy wealth. Without it, you're just the worst kind of bank: one with no standards, no discipline, and ultimately no capital.
00:00 - Opening segment
00:40 - Introduction: Why loan repayments trip people up
01:30 - Policy loan mechanics: you're not withdrawing, you're borrowing
02:10 - Economic Value Added (EVA): the fundamental principle
03:05 - Why people go sideways: thinking interest doesn't matter
03:30 - Nelson Nash's recommendation: pay market rates for full duration
04:40 - What "market rates" actually means
05:20 - Maintaining discipline that creates wealth
06:30 - The $30K car loan example at 5% over 5 years
07:25 - Where does the extra interest go when you pay yourself more?
08:30 - The insurance company doesn't care what rate you calculate
09:30 - Should you keep paying after the loan is satisfied early?
11:00 - Where most people sabotage themselves: the early payoff trap
11:30 - Parkinson's Law: expenses rise to meet income
12:50 - What to do when your PUAs are maxed out
14:00 - Capital deployment vs. consumption: know the difference
14:20 - Parkinson's Law destroys generational wealth
16:00 - The temptation to "save on interest" (you're paying yourself)
17:00 - "But I can make more investing elsewhere" - the speculation trap
18:10 - IBC isn't about loopholes, it's about discipline
19:10 - Practical implementation: set up auto-pay, treat it like any loan
19:40 - The $40K truck example: paying 7% when insurance charges 5%
22:30 - Decision tree when your policy is truly maxed
26:15 - Income doesn't equal wealth: the $500K pilot who's broke
27:00 - The $80K family building dynastic wealth
28:40 - Final recap: market rates, full duration, have a plan
30:00 - EVA: every loan should create value, every payment should build
30:45 - If your practitioner says rates don't matter, run
31:20 - The Moody Family Creed and how it applies here
31:50 - Closing thoughts
Economic Value Added (EVA): The fundamental question: did the thing you financed produce more value than the loan cost you? Borrow at 5%, asset returns 8% = positive EVA. Borrow at 5%, thing depreciates = negative EVA.
Pay Yourself Market Rates: Nelson Nash recommended paying loans back at market rates or higher— at least what you'd pay elsewhere for similar financing. This maintains the discipline that creates wealth.
The Full Duration Principle: Even if you pay a loan off early by using higher interest rates, keep making those payments for the full original term. A 5-year loan means 5 years of payments to your system.
The Early Payoff Trap: This is where most people sabotage themselves.
Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )
Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )
Twitter: @remnantfinance (https://x.com/remnantfinance )
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
Chapters:Key Takeaways:Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !
Hans and Brian challenge the conventional wisdom around qualified retirement plans and expose the misaligned incentives baked into the 401(k) system.
Most people defend their 401(k)s and IRAs with passion—but they're carrying water for institutions whose goals directly conflict with their own. This episode breaks down the four things financial institutions want from your money, reveals the history of how employers shifted pension risk onto employees, and asks the critical question: whose incentives are you serving?
The conventional model says lock your money away for 40 years, fund your own retirement, bear all the market risk, and hope you have enough at 65. The qualified plan gives you a 13-year window of control—you can't touch it penalty-free until 59.5, and RMDs force withdrawals starting at 73. That means if you live to 76, you only controlled your money 25% of your life. Meanwhile, the average person retiring today has $537,000 saved but needs $1.5 million. The system is failing, yet people aggressively defend it.
Chapters:
00:00 - Opening segment 03:40 - Revisiting fundamentals 04:25 - What do financial institutions want from you? 05:25 - The four goals: get your money, hold it systematically, keep it long, give back little 06:40 - We just described a qualified plan 07:50 - The 13-year window: locked until 59.5, forced RMDs at 73 08:45 - Tax benefits: the one real advantage of a Roth 10:00 - Why we're assuming Roth for this discussion 11:30 - The gray area in Roth tax code and the $42 trillion sitting in qualified plans 12:35 - Only controlling your money 25% of your life 13:20 - Teaching kids to be good stewards vs. locking their money away 14:30 - RMD penalties: 25% minimum, up to 50% in some scenarios 16:00 - TSP RMD mechanics: you can't choose which funds to liquidate 17:00 - Taking the employer match and using whole life as a volatility buffer 18:20 - Spending down qualified plans first, not leaving them to heirs 18:50 - The pension system: employers provided capital and bore market risk 21:20 - The shift: now employees fund their own retirement and bear all risk 23:10 - Stockholm Syndrome: aggressively defending the institutions that benefit 24:00 - Median household income $84K, needs $1.5M, average savings $537K 27:40 - Why the average is skewed by millionaires (statistical reality check) 29:25 - Comparing contractual guarantees to projections and prospectuses 31:00 - Strip away the labels: whole life is just an asset, just like mutual funds 32:20 - We want you to understand WHY you believe what you believe 33:35 - The rate of return objection and Nelson's tailwind example 36:15 - Whose incentives align with yours? Insurance companies vs. 401(k) managers 38:05 - Underwriting proves alignment: they want you healthy and financially stable 39:30 - Our mission: cut banks out, create tax-free estates, control your capital 41:15 - Closing thoughts
Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )
Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )
Twitter: @remnantfinance (https://x.com/remnantfinance )
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !
Hans and Brian break down the four-stage framework for infinite banking mastery, drawn from Factum Financial's work observing how practitioners actually use their policies over time.
Most people who buy a whole life policy think they're "doing infinite banking." They're not. They're at Stage One—and most never make it past Stage Three. This episode walks through the progression from Saver to Wealth Builder to Business Banker to Infinite Banker, and explains why defining success is the only way to stop chasing "more" forever.
The conventional approach to money says sacrifice now, maybe live on rice and beans, and hope for abundance at 65. The infinite banking model allows you to live in abundance now while building exponentially greater wealth for future generations—but only if you understand what stage you're in and where you're actually going.
Chapters:
00:00 - Opening segment
03:40 - Why most life insurance is just a drawer document
04:50 - Stage One: The Saver (financial education, awareness, saving strategy)
06:30 - Why getting the policy doesn't make you proficient
08:00 - Stage Two: The Wealth Builder (adding debt strategy and investing strategy)
11:15 - Understanding policy loan mechanics and efficient cash flow capture
12:00 - Multiple uses of your dollar: saving and debt repayment simultaneously
12:35 - Stage Three: The Business Banker (comprehensive integration)
14:00 - Raising deductibles and optimizing cash flow across all insurance
16:05 - Asset protection and trust structures
17:35 - The synergistic effect when investing strategies tie back into the system
18:00 - Stage Four: The Infinite Banker (maximum control and financial freedom)
18:25 - Jason Lowe's family with 77 policies financing nothing through banks
20:05 - The five areas of life: spiritual, personal, family, financial, occupation
22:35 - Hans's financial goals: zero budget on health/longevity and slow travel
24:30 - Why you need to get comfortable with material goals
26:00 - Finance as the area that spreads across everything else
27:35 - Even a simple quiet life requires getting financial loose ends tied up
29:10 - Leaving disorder vs leaving a legacy
31:30 - Identifying which stage you're in and continuously optimizing
32:25 - Recap of the four stages
32:35 - Contrasting with the conventional "no control" financial planning model
34:40 - Closing thoughts
Key Takeaways:
Stage One - The Saver: Getting the policy in place with financial education, awareness, and a saving strategy. Understanding why you have a term rider, what your MEC limit is, and the basic structure. Many clients can't fully explain these elements a year after purchase—that's normal, but it means you're still at Stage One.
Stage Two - The Wealth Builder: Adding debt strategy and investing strategy on top of the whole life chassis. Using policy loans efficiently, understanding being your own banker, and making your dollars work in multiple places simultaneously. Most Remnant Finance clients are here.
Stage Three - The Business Banker: Treating family cash flow like a business. Comprehensive integration of cash flow management, optimized insurance strategies (raising deductibles to maximize inflows), asset protection, and trust structures. The synergistic effect where investments flow back into the entire system.
Stage Four - The Infinite Banker: True financial freedom with maximum control over your entire financial life. Multi-generational legacy where the next generation understands and participates.
Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )
Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )
Twitter: @remnantfinance (https://x.com/remnantfinance )
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !
Hans and Brian sit down with the Tax Sherpa team—Neal, Serena, and Fatma —to walk through the tax implications of options trading before it's too late to do anything about it.
Most in the Remnant caucus of the Low Stress Options community haven't filed a tax return reflecting this trading activity yet. They're tracking weekly income in their spreadsheets and assume that's what they'll owe taxes on—but the brokerage statements tell a completely different story. The bottom line? If you're making real money trading options, you need actual tax strategy in place now—not in March when it's too late to make adjustments.
Chapters:
00:00 - Opening segment
02:20 - How options are actually taxed (short-term capital gains, rolling, assignments)
06:05 - Active trader vs passive trader: do you want professional trader status?
08:35 - The $3,000 capital loss limit explained (and why it's basically a slap in the face)
11:05 - Offsetting gains with losses: you can deduct more than $3,000 in the current year
13:45 - Tax loss harvesting and why FREC's approach is interesting
15:00 - How rolling options creates separate taxable events
17:05 - Why the $3,000 limit was never inflation-adjusted (it should be $25-30K today)
18:15 - Gambling losses and why they only offset gambling wins
20:25 - What your brokerage statement will actually show vs what the tracker shows
22:40 - Real estate as a "tax sponge" for offsetting capital gains
24:00 - Interest tracing: deducting policy loan interest on Schedule A
26:00 - Should you use one policy exclusively for investment loans?
28:25 - Why you shouldn't be doing this with TurboTax
29:00 - Mortgage interest deduction limits after the Big Beautiful Bill
35:20 - Using an LLC for trading: real estate, consulting, or all-in-one?
37:55 - Why crypto taxes are endlessly complex (smart contracts, staking, DeFi)
47:15 - Wash sale rule: does getting assigned invoke it?
55:30 - The Tax Sherpa process: survey, planning, execution
Key Takeaways:
Options are taxed as short-term capital gains (at your ordinary income rate) in 99% of cases—each contract is a separate taxable event, so rolling creates multiple transactions
The $3,000 capital loss limit is the NET position—you can offset unlimited gains plus an additional $3,000, then carry forward the remainder into future years
Your brokerage tracker shows return on equity; Schwab reports each individual trade—they're answering different questions, which is why people are often pleasantly surprised at tax time
If you're using policy loans to fund trading, you can deduct the interest on Schedule A through interest tracing—but you have to actually pay it and document the allocation
Professional trader status (mark-to-market accounting) is almost never advantageous unless trading is literally your full-time business with substantial daily activity and deductible expenses
Custodial accounts for kids don't provide much tax benefit due to kiddie tax rules—and they count against the student for financial aid purposes, unlike parent-held assets
Do your tax planning NOW, not in March—once the year is over, you've lost the ability to make strategic adjustments that could save you tens of thousands of dollars
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !
Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )
Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )
Twitter: @remnantfinance (https://x.com/remnantfinance )
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
Hans and Brian break down the internet outrage over Trump's proposed 50-year mortgage—and why almost everyone is missing the point.
The real issue? Homes aren't going up in value—they're going up in price. And it's not because of creative mortgage products. It's because we've been completely untethered from financial discipline, buying based on monthly payments instead of actual value. The average person moves or refinances every seven years anyway, so whether it's 15, 30, or 50 years doesn't fundamentally change the problem.
Hans walks through the net present value discount formula to show why all three mortgage options are mathematically equivalent when you understand time value of money. The key isn't which mortgage term you choose—it's what you do with the cash flow difference and whether you understand human behavior well enough to avoid Parkinson's Law.
Plus: why banks love principle-only payments (you're giving them 2055 dollars at full value today), the mortgage recast strategy your lender will never mention, and why the only real solution is controlling the entire banking function yourself so your kids and grandkids never have to step inside a traditional bank.
Chapters:
00:00 - Opening segment02:28 - Comparing total interest paid: 15 vs 30 vs 50 year mortgages 04:00 - The net present value discount formula explained 06:56 - Why understanding cash flow and equity matters 10:38 - The three variables that determine mortgage mechanics 13:00 - Parkinson's Law and the "compared to what" question
17:16 - Front-loading vs back-loading mortgage payments (policy loan example) 18:33 - The mortgage recast strategy banks won't tell you about 21:39 - Why future dollars are worth less than today's dollars 29:00 - The only two times you're secure in home ownership 30:22 - Taking control of the entire banking function for your family 34:07 - People don't buy homes, they buy monthly payments 37:37 - The already-broken system that 50-year mortgages expose 40:22 - Neil McSpadden's take: this isn't about affordability, it's about liquidity 42:00 - Comparing three different mortgage strategies with whole life policies 47:48 - The seen and the unseen: what are you doing with that capital? 49:00 - Why human behavior matters more than the math 51:00 - Nelson Nash and understanding the banking function first
Key Takeaways:
Homes are going up in price, not value—untethered financial behavior and "what can I afford per month" thinking has driven housing costs through the roof for decades
All mortgage terms (15, 30, 50 year) are mathematically equivalent when you understand net present value discount formula—what matters is what you do with the cash flow difference
When you make principle-only payments, you're giving banks full-value 2055 dollars today without any discount—they love this because you're making them whole on payments that should be worth a fraction of their face value
The average homeowner moves or refinances every seven years, making the actual loan term almost irrelevant—you're not paying off your house anyway, even with a 15-year mortgage
Most lenders won't tell you about mortgage recasting—make a lump sum payment (usually $10k minimum), pay a small fee, and they'll recalculate your loan with a lower monthly payment while keeping the same term
The real solution isn't optimizing which mortgage to choose—it's building a family banking system so you control the entire function: the repayment schedule, the equity, and the process
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )
Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )
Twitter: @remnantfinance (https://x.com/remnantfinance )
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
Brian and Hans record together IN PERSON for the first time at the Factum Financial Infinite Banking Mastery Event in Scottsdale, Arizona, joined by Josh Rose from Factum Financial. This isn't your typical financial conference recap—it's a raw conversation about why the best financial gatherings spend more time discussing kids, vacations, and family legacy than investment returns.
Whether you're struggling with the "we don't talk about money" generational curse or wondering how to raise financially literate kids without forcing them into specific careers, this fireside chat challenges everything conventional wisdom teaches about family and finances.
Chapters:
00:00 - Opening: First in-person recording from Scottsdale
02:28 - Introducing Josh Rose and his journey to IBC
05:05 - How IBC brings families together vs. traditional finance separating them
06:56 - The Five Core Areas (Fab Five): Faith, Family, Fitness, Finance, Friendship
10:38 - Evaluating your life as a wheel—are all areas balanced?
17:16 - Living intentionally now vs. locking money away for retirement
21:39 - "I don't have access to my money for 3-4 years" objection
28:17 - The startup business analogy for whole life policies
31:32 - The Future Family Letter: Eliminate bad habits, set standards, create excitement
35:47 - Breaking the "we don't talk about money" curse
37:37 - Teaching kids about money age-appropriately
40:22 - Making "policy" a normal word in your household
44:07 - "I want my children to do whatever they want PLUS be a banker"
47:48 - Everyone's in two businesses: income generation and banking
52:30 - Closing segment
Key Takeaways:
Traditional finance promotes individuality and separates families—IBC brings families together through interdependence and shared banking systems
The Five Core Areas (Faith, Family, Fitness, Finance, Friendship) create a framework for evaluating whether your life is "running smoothly"—connect the dots to see if your wheel is balanced
Your kids are only this age once—IBC removes the false choice between living fully now and saving for later by giving you access to capital while building guaranteed wealth
The "we don't talk about money" generational curse creates financially illiterate children who learn from the world instead of their parents—break this by making "policy" a normal household word
Write a Future Family Letter to eliminate generational habits you don't want, set clear standards for what you do want, and create excitement about what your family can become
Make your children bankers first, then let them do whatever career they want—the banking foundation gives them freedom to pursue their passions without financial anxiety
Traditional financial planning asks "what will I accumulate by 65?"—IBC asks "how can I live abundantly in all five areas while building generational wealth?"
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )
Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )
Twitter: @remnantfinance (https://x.com/remnantfinance )
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
Two-time NASCAR champion Kyle Busch just lost $8.5 million in an Indexed Universal Life policy after paying $10.5 million in premiums. This isn't just celebrity drama—it's a case study in why 90%+ of IULs collapse and why we'll never sell one.
IULs try to be insurance, savings, and investment all in one product. The result? A policy full of moving parts, changing cap rates, rising mortality charges, and a "path of least resistance" that leads most people to stop funding properly. By your 70s, the annual insurance cost skyrockets while your cash value evaporates. The company transfers risk back to you—the opposite of what insurance should do.
Whole life insurance has guaranteed increases, true downside protection, unlimited upside potential, and a 200+ year track record. Don't mix protection, savings, and growth into one product. Keep them separate. Think in years, measure in weeks. And whatever you do, don't "IUL" your financial future.
Chapters:
00:00 - Opening segment
01:44 - Kyle Busch
$8.5M IUL lawsuit introduced
03:51 - How did this happen? Bobby Samuelson article breakdown
05:43 - Agent structured policy to maximize his compensation
07:21 - Why celebrity cases expose industry-wide problems
09:19 - How IULs work: cap rates, floors, participation rates
13:07 - The mortality charge death spiral explained
14:32 - Real client story
18:32 - Why policies collapse in your 70s and 80s
20:18 - Net amount at risk breakdown
22:11 - IULs transfer risk back to you (opposite of insurance)
22:54 - Protect, Save, Grow: Don't mix them
26:13 - Why IULs exist and why they fail
28:17 - Whole life dividends vs IUL flexibility traps
32:52 - Proper protection across all life areas
35:12 - Long-term thinking vs optimization traps
38:17 - Conservative approach to new growth strategies
40:12 - Don't "IUL" your trading or life insurance
42:30 - Closing segment
Key Takeaways:
Kyle Busch lost $8.5M of $10.5M in premiums in an IUL—brings national attention to product failure rates
IULs have cap rates (max return), floors (usually 0%), and participation rates—but companies can change caps anytime
90%+ of IULs collapse because of human behavior traps and rising mortality charges in later years
IULs charge monthly mortality based on net amount at risk—when policy underperforms, charges increase
Insurance should transfer risk to the company—IULs transfer risk back to you
Whole life has guaranteed increases every year, true downside protection, unlimited upside potential, and 200+ year track record
Don't mix protection, savings, and growth—keep them separate and intentional
Think in years, measure in weeks—stay conservative even when you find better strategies
Only time to "buy term and invest the difference": when your only other option is an IUL
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !
Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )
Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )
Twitter: @remnantfinance (https://x.com/remnantfinance )
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
Most people fail with money because they're stuck in extremes. Underwhelmed by the same old advice like "save more, spend less, lock it away and hope compound interest saves the day." The truth is simple: You are the asset. Your ability to create value is the greatest investment you'll ever have. This episode breaks down Garrett Gunderson's framework for the six money moves that actually matter. Stop locking money away in qualified plans. Stop self-insuring when you should transfer risk. Stop overpaying taxes as a W-2 employee with only 8 deductions when business owners access 475. Focus on cash flow assets that let you live today while building wealth for tomorrow. The penalty for following broken financial philosophies is permanent, but aligning your plan with who you are brings freedom sooner than you think.
Chapters:
00:25 - Opening Segment
04:55 - Why most people fail with money
06:35 - You are the greatest asset
08:15 - The underwhelming advice: save, spend less, lock it away
10:35 - Spend less is capped - grow yourself as an asset instead
14:50 - Overwhelmed by conflicting tips
19:05 - Teaching value creation
20:20 - Step 1: Automate and build liquidity with whole life
23:20 - Daily burn rate calculation method (263 days liquidity example)
26:50 - Step 2: Transfer risk, don't self-insure
29:05 - Pacific Palisades fires: Self-insurance myth exposed
33:15 - Step 3: Estate and entity structure (trusts vs wills)
39:35 - Step 4: Stop tipping the government
41:05 - 8 deductions vs 475: W-2 employees vs business owners
43:55 - Sourdough bread business example
45:50 - Step 5: Invest in alignment with your investor DNA
46:25 - Get to vs have to - does it feel like noise?
50:00 - Step 6: Focus on cash flow, not accumulation
54:45 - Living today while building for tomorrow
57:20 - Closing Segment
Key Takeaways:
You are your greatest asset - ability to create value is the greatest investment you'll ever have
Standard advice (save more, spend less, hope for compound interest) keeps you broke
Step 1: Automate liquidity using whole life as emergency fund - calculate daily burn rate to know exact days of liquidity
Step 2: Self-insurance is a myth - transfer catastrophic risk to insurance companies for pennies on the dollar
Step 3: Get trust in place to avoid probate - if you don't have estate plan, government has one for you
Step 4: W-2 employees have 8 tax deductions, business owners with EIN have 475 - create business entity now
Step 5: Invest in your investor DNA - ask "do I GET to do this or HAVE to do this?"
Step 6: Focus on cash flow assets, not buy-and-hold accumulation in qualified plans
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !
Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )
Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )
Twitter: @remnantfinance (https://x.com/remnantfinance )
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
You need to be able to outprint the Fed. To learn a stress-tested way to accelerate your investment capital, go to https://remnantfinance.com/options to learn the framework we discuss this week.
AI is transforming the world faster than anyone realizes—and the job market as we know it is about to disappear. In this episode, we speak with Navy nuclear engineer turned entrepreneur Troy Broussard, founder of Low Stress Trading, about how to survive this economic upheaval by creating money faster than the Federal Reserve can devalue it.
Troy shares how his unique trading framework is helping ordinary people beat inflation, break free from the traditional “buy and hope” system, and generate consistent weekly income—regardless of what the market does. We explore how artificial intelligence, automation, and Elon Musk's Starlink and Optimus projects are dismantling the old economy and why financial independence now depends on agility, not credentials.
The financial paradigms that guided the last ninety years will be counterproductive in the next ninety years. This is an episode about freedom—from inflation, from dependence on failing systems, and from the illusion of job security.
Chapters:
00:30 - Opening segment
04:10 - Elon Musk’s Starlink, Optimus, and the AI revolution
10:45 - Why Apple stopped innovating and what it means for investors
15:20 - The collapse of old financial paradigms
21:00 - The rich don’t pay taxes—they redefine income
27:45 - Throwing away 90 years of failed investment logic
33:30 - What weekly options really are and why anyone can learn them
41:15 - How to make money in an up, down, or sideways market
47:20 - Weekly income vs. buy‑and‑hope investing
52:00 - Real‑world math: The “lost decade” myth
58:30 - Income beats net worth—why cash flow wins every time
1:03:45 - Trading through recessions and inflation cycles
1:10:50 - Why “too good to be true” is a broken mindset
1:18:00 - Generational impact: teaching kids to outpace inflation
1:23:40 - Hyper‑compounding: 1% per week means 68% annually
1:29:10 - The future of Low Stress Trading’s software revolution
1:33:20 - The community that celebrates success, not envy
1:38:40 - Closing thoughts
Key Takeaways:
AI is rewriting the job market faster than experts predicted
Elon Musk’s Starlink and Optimus projects will redefine automation and employment
Inflation is real, and official CPI numbers are meaningless compared to daily reality
The wealthy build wealth by controlling how income is classified and taxed
“Buy and Hold” investing is obsolete in the AI-driven economy
Weekly option trading creates consistent, compounding income
You can make money in any market by “being the bank” through options
Teaching kids financial literacy early can make them self-sufficient for life
The new financial freedom is independent of jobs, pensions, or Wall Street
Learn Troy’s trading framework at https://remnantfinance.com/options !
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !
Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )
Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )
Twitter: @remnantfinance (https://x.com/remnantfinance )
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
College tuition has increased 1184% since 1980 while the value of that education has plummeted... The system that worked for our parents' generation has become a debt trap that produces functionally illiterate graduates who can't read, can't write, and are trained to rely on AI for everything. Sixty Illinois schools have zero students reading or doing math at grade level. University professors report students who can't comprehend basic assignments, expect unlimited resubmissions, and ask if reading exams are open book. The goal of college is ideological indoctrination, not education. AI has decimated the value proposition further by replacing the exact jobs that required degrees - law firms aren't hiring junior associates because AI does case research instantly, and doctors are being outperformed by diagnostic AI that's 400% more accurate. Meanwhile, trades are booming with massive worker shortages, allowing skilled tradespeople to command premium prices and own their businesses. If your child has a specific passion requiring a degree - nursing, military officer, certain specialized fields - and a plan to pay for it without federal loans, maybe. But the default assumption that kids should go to college from 18-22 needs to die. Take a gap year, start a business, learn a trade, do an apprenticeship, or get your GED at 16 and start community college early. Stop enriching a broken system that leaves your children $40,000 in debt and unemployable.
Chapters:
00:30 - Opening segment
04:30 - The trades are booming while college graduates work at coffee shops
06:10 - Bell curve distribution: Why the statistics lie
08:15 - Public school assessment failure
11:30 - AI has made students functionally illiterate
15:25 - The $1.7 trillion student loan debt crisis
20:00 - 50% of graduates never work in their field of study
28:25 - Educate your children outside the system
33:25 - College degree now a liability when hiring
34:45 - Charlie Kirk built $100M business with community college degree
36:40 - California homeschool charter system under attack by teachers' unions
42:00 - Start a business, learn taxes, understand the real world first
43:00 - Get your GED at 16 and start community college early
46:00 - High school diploma is worthless - challenge the assumption
49:20 - When college might make sense
50:10 - IBC as a tool to fund education without federal loans
51:10 - Internships don't require college enrollment
52:05 - Closing segment
Key Takeaways:
College tuition has increased 1184% since 1980
The value of a college education has gone down dramatically as costs skyrocketed
Average federal student loan debt per borrower is nearly $40,000, totaling $1.7 trillion nationally
For white males specifically, average income is now LOWER with a college degree than without
AI has made the college degree nearly obsolete by replacing the exact jobs that required them
50% of college graduates never work in their field of study
High school diploma is worthless - nobody ever asks for it
Use IBC to fund education without federal loans if you must go
Internships don't require college enrollment - 18-year-olds can approach businesses directly
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !
Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )
Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)
Twitter: @remnantfinance (https://x.com/remnantfinance )
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
What happens if you can't afford your whole life insurance premium anymore? It's the most common concern when people design large policies for Infinite Banking: "I don't want to pay this huge premium until I'm 95 years old." The truth is, once you understand what premium is doing for you—building momentum, creating guaranteed growth, and establishing your family banking system—you won't want to stop.
But life happens. Income disruptions, career changes, or simply changing priorities might make you reconsider. That's why understanding your contractual rights matters. There are five distinct options when you can't or won't continue paying premiums, and most people only know about the worst one: surrendering for cash. This episode breaks down all five options, from the contractual non-forfeiture provisions required by state law to the optimal strategy that lets your policy sustain itself. We explain extended term insurance, reduced paid-up insurance, automatic premium loans, and the dividend payment strategy—plus why working with an authorized IBC practitioner ensures you actually have access to these options. The goal isn't to plan your exit from day one, but to understand the full contract you're entering and know you have control no matter what happens.
Chapters:
00:00 - Opening segment
07:00 - Introduction to non-forfeiture options and PUA
10:00 - Four contractual non-forfeiture options overview
11:20 - Cash value refresher
13:00 - Net present value
14:40 - Dave Ramsey's misrepresentation
17:50 - Company exposure and why cash value grows over time
18:55 - Option 1: Cash surrender value (closing the policy)
20:30 - Option 2: Extended term insurance explained
25:45 - Option 3: Automatic premium loan (APL)
27:00 - When APL makes sense: income disruption scenarios
32:00 - Base premium vs. total premium: What you actually need to sustain
35:00 - Option 4: Reduced paid-up insurance (RPU)
36:25 - Why you can't RPU before year seven (MEC rules)
42:15 - How using dividends changes projections
44:50 - Option 5: Using dividends to pay premiums (the optimal strategy)
48:05 - Keeping premium door open
52:00 - Protection and savings before speculation
54:10 - Keeping the wall between savings and investments
56:30 - Final thoughts
Key Takeaways:
- Cash surrender value is not separate from death benefit—it's your equity in the future payment at present value
- There are 5 total options when you can't pay premium: 4 contractual non-forfeiture options plus the dividend strategy
- Cash surrender (Option 1): Walk away with equity, lose all coverage—least recommended option
- Extended term insurance (Option 2): Same death benefit dollar amount, reduced timeframe based on cash value
- Reduced paid-up insurance (Option 3): Same timeframe (whole life), reduced death benefit, no future premiums required
- Automatic premium loan (Option 4): Company loans against cash value to pay base premium automatically
- Dividend payment (Option 5): Use policy dividends to pay base premium—the optimal approach for mature policies
- Not all whole life companies support optimal IBC design—must have PUA riders available
- Work only with Nelson Nash Institute authorized practitioners to ensure proper policy structure
- Goal is never to stop paying premium once you understand what it's doing for your family banking system
- Your whole life policy should be the asset you understand most completely before signing
Got Questions?
Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !
Visit https://remnantfinance.com for more information
Low Stress Trading: https://remnantfinance.com/options
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )
Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588 )
Twitter: @remnantfinance (https://x.com/remnantfinance )
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
Two tragedies in one week exposed something many conservatives had been denying: we are not all Americans working toward the same goals. When one side celebrates assassination and the other extends olive branches, the asymmetry becomes fatal. If you believe in traditional values, speak openly about Christ, or question progressive orthodoxy, they consider you deserving of violence. The second half of the episode pivots to Parkinson's Law and its application to both time and money. Work expands to fill the time allowed, expenses rise to meet income, and luxuries become necessities. Without forced savings mechanisms like Infinite Banking and cash flow systems, lifestyle inflation will consume every raise and prevent wealth accumulation. The connection is direct: mastering money flow gives you control over time, and controlling your time means living the life you want now rather than deferring everything to a retirement that may never come.
Chapters:00:35 - Opening
02:15 - Ukrainian train murder and Charlie Kirk assassination
05:10 - The celebration of violence by the left
09:45 - The leftist flowchart for responding to violence
11:40 - The myth of "national conversation" exposed
14:30 - First Amendment misunderstanding and employment consequences
16:30 - Cancel culture hypocrisy: bodily autonomy vs. speech
24:10 - DC transformation through force: crime to safety overnight
25:20 - Parkinson's Law
26:30 - Becoming Your Own Banker
30:30 - Forced savings through IBC vs. flexible premium policies
32:20 - Why UL and IUL policies fail at 90%+ rates
37:30 - Funneling raises into policy premiums to avoid lifestyle inflation
38:00 - Tax refund strategy
40:50 - Closing thoughts and call to action
Key Takeaways:
- Political violence is almost exclusively a leftist phenomenon
- Celebration of Charlie Kirk's murder came from mainstream sources, not fringe accounts
- The "national conversation" narrative was always a lie - they want compliance, not dialogue
- Losing your job for speech is not a First Amendment violation
- First Amendment protects you from government censorship, not employer consequences
- Same people demanding speech consequences for conservatives opposed vaccine mandate employment termination
- Work expands to fill the time envelope allowed
- Expenses rise to equal income without intervention
- Luxuries once enjoyed become necessities (air conditioning, heated seats, smartphones)
- Without forced mechanisms, lifestyle inflation consumes all income increases
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !
Visit https://remnantfinance.com for more information
Low Stress Trading: https://remnantfinance.com/options
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )
Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588 )
Twitter: @remnantfinance (https://x.com/remnantfinance )
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
What if your mortgage worked like a checking account? What if every dollar you earned immediately reduced your interest charges? What if you could access your home's equity without getting a second loan or refinancing? Harrison George, the nation's top All-in-One loan producer, reveals a mortgage product that flips conventional wisdom on its head.
Traditional mortgages trap your equity and front-load interest payments so heavily that at 5.625%, you pay 100% of your loan amount in interest alone. The All-in-One loan integrates your checking account with your mortgage, automatically sweeping deposits to reduce your daily interest calculations while maintaining full access to those funds. This isn't velocity banking with multiple accounts and complex strategies - it's velocity banking simplified into one product.
Hans learns the mechanics in real-time while Brian shares his personal experience using the loan to buy property, pay insurance premiums, and access equity for investments. From SOFR-based adjustable rates that outperform fixed mortgages to qualification requirements and practical applications, this episode breaks down how the All-in-One loan can accelerate wealth building for disciplined borrowers ready to rethink everything they know about home financing.
Chapters:
00:30 - Intro
03:30 - Core philosophy
06:35 - Velocity banking overview and All-in-One simplification
09:40 - All-in-One mechanics: 80% LTV line of credit with integrated banking
17:10 - Debit card strategy and credit card optimization
18:55 - Property eligibility: primary, secondary, and investment properties
24:55 - Who this isn't for: lifestyle inflation and cash flow negative borrowers
26:20 - Psychological shifts: gamifying debt payoff and spending discipline
28:30 - Payment structure: no fixed payments, interest-only charges
30:15 - Emergency flexibility and foreclosure protection advantages
32:05 - Mental shifts and debt payoff gamification
34:50 - SOFR-based interest rates: monthly adjustments and margin selection
40:25 - Traditional mortgage front-loading and total interest percentages
42:00 - Harrison's philosophy on 30-year mortgages as entry tools
44:35 - Brian's IBC integration: using equity for premium payments
46:05 - Practical applications: cars, college, rental properties
1:00:25 - All-in-One loan simulator walkthrough at allinoneloan.com
1:09:10 - Future case study possibilities and closing thoughts
Key Takeaways:
All-in-One Loan Mechanics:
Functions as checking account integrated with mortgage - every deposit immediately reduces interest charges
80% loan-to-value maximum with no traditional monthly payments, only monthly interest charges
SOFR-based rates with 2.5% to 4% margin selection (currently 6.4% to 8.3% range)
700+ credit score for primary/second homes, 720+ for investment properties
Minimum 20-25% down payment depending on property type
10-15% reserves of line of credit amount in liquid assets
Positive monthly cash flow of at least 15% of net income
Provides control and flexibility unavailable in traditional mortgages
Enables strategic use of home equity for wealth-building activities
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar!
Visit https://remnantfinance.com for more information
Harrison George Contact: Email: harrison@cmgfi.com Phone: (925) 785-6828 All-in-One Loan Calculator: https://allinoneloan.com
FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
Two 31-year-old fathers of two. One died unexpectedly in a hospital, leaving his family scrambling financially with only a $400,000 life insurance policy. The other was assassinated for his political beliefs, sparking a national conversation about violence and ideology. Both tragedies expose the same uncomfortable truth: none of us know when our last day will come.
Hans opens with a sobering reality check for fathers - if you don't wake up tomorrow, how does your family survive financially? Beyond the emotional devastation, what practical steps have you taken to ensure your wife can pay the mortgage, access accounts, and maintain the lifestyle you've built together? The episode serves as both a wake-up call about financial preparedness and an introduction to alternative investment strategies through client Will Leight's raw land business.
The conversation takes a hard turn into cultural commentary following recent events, examining the escalation of political violence and the breakdown of civil discourse. From Harvard's ideological rigidity to the celebration of assassination, Hans and Will discuss why the mask has come off regarding the left's true intentions and what it means for American families trying to build wealth and protect their future.
Chapters:00:00 - Opening discussion on insurance and tragedy
01:30 - Introduction to Will Light and client interview format
04:10 - Tragic case study: 31-year-old father's unexpected death
07:50 - The underinsured asset: your human life value
10:30 - Will's insurance background: SGLI and universal life experience
13:00 - Financial advisor vs. IBC agent: the education gap
16:10 - Policy design disasters and all-base mistakes
19:40 - IUL retirement plans and MEC dangers
24:50 - Charlie Kirk assassination and national implications
27:00 - Harvard Kennedy School and ideological extremism
29:55 - The myth of "national conversation" exposed
32:25 - Violence as policy: the liberal endgame revealed
35:20 - Masks dropping after the assassination
39:45 - Historical parallels to Soviet criminal codes
41:10 - Frontier Coffee statement on turning points
47:00 - Zero tolerance for liberal ideology in business
49:20 - Nepal government overthrow parallels
51:20 - Individual and community preparedness imperatives
53:40 - Shifting to raw land investment strategy
55:50 - Will's introduction to Land Geek methodology
58:25 - Raw land acquisition and financing mechanics
01:00:35 - Building relationships with land buyers
01:02:50 - Scaling strategy and county selection
01:04:30 - Current portfolio: 11 properties and growing
01:06:35 - Rental property tax advantages comparison
01:09:10 - Vision and Value Land Company introduction
01:11:10 - Final thoughts on preparedness and truth-telling
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar!
Visit https://remnantfinance.com for more information
Low Stress Trading: https://remnantfinance.com/options
Will Leight - Vision and Value Land Company: https://www.facebook.com/profile.php?id=61578024718364#
**FOLLOW REMNANT FINANCE**
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)
Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)
Twitter: @remnantfinance (https://x.com/remnantfinance)
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
The media obsesses over whether Powell should cut rates, but they're missing the bigger story entirely…Since 2022, the Federal Reserve has fundamentally lost its ability to control long-term interest rates - and that might be the best thing to happen to American monetary policy in decades.
Joe Withrow from the Phoenician League returns to break down the most important financial shift you've never heard of: the transition from LIBOR to SOFR. While everyone argues about Fed policy, a quiet revolution has returned actual market forces to interest rate setting. The days of European banks manipulating global rates through sealed envelope submissions are over, replaced by real transactions from real institutions with real obligations.
This episode examines the mechanics of interest rates, repo markets, and why Trump's demands for rate cuts might not matter as much as everyone thinks. From the $9 trillion debt rollover crisis to the geopolitical implications of monetary independence, Hans and Joe connect the dots between outdated financial instruments and your personal investment strategy.
Chapters:00:00 - Intro
04:05 - The five pillars and financial security foundation
07:30 - Interest rates overview and Fed manipulation myths
11:15 - LIBOR vs SOFR transition and why it matters
14:45 - Setting aside preferences for objective analysis
17:45 - Central bank money vs commercial bank money explained
19:05 - LIBOR calculation method exposed
22:25 - The shocking truth about rate manipulation
25:45 - Ben Bernanke's "globally coordinated monetary policy"
28:20 - COVID awakening and financial system skepticism
29:20 - Fed funds rate mechanics and overnight lending
31:10 - The $9 trillion debt rollover crisis
32:20 - Powell vs Yellen: American vs globalist monetary policy
35:10 - Balance sheet reduction and QE reversal
36:30 - SOFR liberation from European bank control
39:10 - World Economic Forum and "own nothing, be happy"
40:25 - Immigration and cultural hierarchy discussion
42:25 - SOFR based on actual market transactions
44:30 - Repo market mechanics explained
47:40 - Market forces vs manipulation in rate setting
48:20 - Baseball card analogy for repo transactions
52:00 - 10-year treasury as global risk-free rate
53:30 - Market forces returning to long-term rates
54:40 - Powell's rate cuts and opposite market reaction
57:25 - Stephen Moran appointment and dollar devaluation strategy
59:30 - Manufacturing reshoring and central planning concerns
01:01:15 - Federal Reserve independence vs political control
01:03:25 - Board of Governors structure and 14-year terms
01:04:55 - Rate policy and asset price manipulation
01:07:10 - Phoenician League membership and strategy sessions
01:11:15 - Low stress trading strategy integration
01:15:50 - Closing thoughts and next steps
Key Takeaways:
- LIBOR was manipulated by 17 banks submitting sealed envelope "guesses" with no binding obligations
- SOFR is based on actual overnight lending transactions between real institutions
- This shift has fundamentally severed the Fed's control over long-term interest rates
- Powell's 1% rate cut in 2024 caused long-term rates to go UP, proving the new dynamic
- Fed only controls short-term rates (up to 2 years) through the Fed funds rate
- Traditional "refinance when rates drop" assumptions no longer reliable
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar!
Visit https://remnantfinance.com for more information
Low Stress Trading: https://remnantfinance.com/options
Phoenician League: membership.phoenicianleague.com
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)
Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)
Twitter: @remnantfinance (https://x.com/remnantfinance)
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
From practical financial strategies to unfiltered observations about immigration, medical freedom, and the collapse of Western civilization, this episode combines actionable wealth-building advice with the kind of cultural analysis that might lose them some listeners - which they're perfectly fine with.Brian introduces the Low Stress Trading framework that's generating 1% weekly returns through systematic options selling, while Hans shares the harrowing experience of his 16-month-old daughter's medical emergency that tested every principle they hold about navigating the medical system as an unvaccinated family. The episode takes a hard turn into cultural commentary after Hans’ Utah trip revealed the stark contrast between red state governance and California's decline.
Chapters: 00:00 - Low Stress Trading introduction and framework overview 05:00 - Comparison to conventional financial planning 08:10 - Rules-based framework and predictable results 09:45 - Retirement Inc. vs. active wealth building 13:40 - Becoming the house instead of the speculator 20:30 - Cultural topics transition and Utah trip21:05 - California homeschool charter program and AB 84 25:40 - Hans’ daughter's accident and hospital emergency 34:40 - Lessons learned and insurance value 39:55 - Strategic responses to medical inquiries 42:50 - Utah vs California cultural observations 45:30 - Immigration commentary and demographic changes 50:15 - European migration crisis and liberal contradictions 57:40 - Immigration policy and mass deportation discussion 01:04:15 - Final thoughts on family protection and leadership
Key Takeaways:
Low Stress Trading generates reliable 1% weekly income through options selling
Framework teaches systematic wealth building rather than "buy and hope" strategies
Strategic truthful responses ("up to date on her schedule") avoided confrontation
Western medicine excels in acute care situations - use the right tool for the situation
Insurance provides crucial peace of mind during emergencies
California's trajectory toward European-style authoritarianism through education control and demographic change
Immigration (both legal and illegal) fundamentally alters societal cohesion and cultural preservation
Geographic positioning becomes crucial for families with traditional values
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !
Visit https://remnantfinance.com for more information
Low Stress Trading: https://remnantfinance.com/options
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)
Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)
Twitter: @remnantfinance (https://x.com/remnantfinance)
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
"Insurance companies are the wealthiest businesses, wealthier than banks and even countries. It seems very scammy." This listener question captures what most people think about insurance - and why they're wrong about life insurance.
Hans and Brian examine contract law to explain why life insurance operates under completely different legal protections than the car and home insurance that's given the industry its bad reputation. From centuries of case law to the incontestability clause, this episode reveals the legal guidelines protecting policyholders.
When courts consistently rule against insurance companies and companies are required to maintain 100% reserves plus reinsurance, it's not a coincidence that no whole life insurance beneficiary has ever gone unpaid. The math, the law, and the business model all align to protect you in ways most people never understand.
The Contract That Can't Be Negotiated (And Why That's Good for You)
Life insurance contracts are "contracts of adhesion" - you can't negotiate terms, it's take it or leave it. Since the insurance company writes the entire contract and you have no bargaining power, courts heavily favor policyholders in every dispute. Centuries of case law have built an almost impenetrable wall of consumer protection.
Warranties vs. Representations: The Historical Shift in Your Favor
In the 1700s, maritime insurance contracts used "warranties" - black and white statements that could void your policy for any breach. If you warranted your ship would sail with convoy protection and it sailed alone, coverage was nullified regardless of circumstances. Modern life insurance has evolved to use "representations" instead, requiring proof of intentional misrepresentation, materiality to the contract, and knowledge of falsity. The burden of proof is entirely on the insurance company.
The Two-Year Window: Your Contestability Protection
Insurance companies have exactly two years to challenge a policy for misrepresentation. After that window closes, even suicide is covered. This isn't arbitrary - it reflects the legal reality that life changes too much after two years to fairly challenge original statements. The contestability clause protects both parties: it gives companies time for due diligence while preventing indefinite claim challenges.
Why "100% Reserves" Isn't Like Banking
Unlike fractional reserve banking where your deposits aren't fully backed, life insurance operates on full reserves for current liabilities. Your policy's cash value must be available immediately - no exceptions. Future death benefits are covered through reinsurance and state guarantee funds, creating multiple layers of protection that banking simply doesn't have.
➡️ Chapters:
00:00 - Military waste and efficiency (the stark contrast to insurance)
07:00 - Listener question: Why trust insurance companies?
13:00 - Property insurance vs. life insurance: Different games entirely
17:00 - Contract law foundations: Why courts favor policyholders
19:00 - Warranties vs. representations: The historical evolution
26:00 - The incontestability clause: Your two-year protection window
35:00 - Unilateral contracts: Only one party has obligations
38:00 - Contract of adhesion: Why you can't negotiate (and don't want to)
46:00 - Reserve requirements: 100% backing vs. fractional banking
52:00 - Reinsurance and state guarantee funds: Multiple safety nets
55:00 - Actuarial math: Why conservative assumptions create dividends
58:00 - Points of failure: Safety assets vs. speculation
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar!
Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
Most people are ‘driving McLarens’ while ‘insured like Corollas.’ In this foundational episode, Hans and Brian revisit one of their core concepts: human life value versus needs-based analysis when it comes to life insurance planning.
If you're a military officer with just SGLI coverage, or anyone who thinks $500,000 is "a big check" for life insurance, this episode will fundamentally shift how you think about protecting your family's financial future. The math is sobering, but the solution is clear.
Using real calculations, the hosts demonstrate why the traditional "needs analysis" approach to life insurance leaves families exposed to millions in lost income. When your economic value over a working lifetime exceeds $4-6 million, leaving your family with enough to "pay off the mortgage" isn't protection – it's a dereliction of duty.
The $6 Million Gap: What You're Really Worth
Brian walks through Truth Concepts software to illustrate a 40-year-old earning $150,000 annually. The shocking result: this person needs $4 million just to maintain their family's current lifestyle if they die tomorrow, and over $6 million when accounting for normal salary increases. Yet most people in this situation (military clients, at least) have just $500,000 in SGLI coverage.
Why Needs Analysis Gets It Wrong
The insurance industry has been improperly trained to focus on "needs" instead of true economic value. As Bob Castiglione writes: "No beneficiary, given the choice, would want only an amount of insurance that they supposedly need rather than the true value of the insured person who died."
The Asset You're Not Insuring
You insure your car to full value. You insure your home to full value. But your greatest asset – your ability to produce income – is dramatically underinsured. Hans breaks down why this thinking is backwards, especially when you're guaranteed to "total" this asset eventually.
How Whole Life Insurance Bridges the Gap
The hosts explain how dividend-paying whole life insurance grows over time, eventually providing more death benefit than insurance companies would initially write on you. This creates a crossing point where your coverage approaches your true economic value as you age.
➡️ Chapters:
00:00 - The dereliction of duty: Leaving families exposed
01:10 - Welcome back: Revisiting human life value concepts
02:30 - Two approaches: Needs analysis vs. human life value 04:05 - Why we focus on fathers in our examples
06:20 - Economic life value: The better term
09:15 - Truth Concepts calculation: The $6 million reality
14:35 - Why earnings increases matter in the calculation
17:25 - SGLI exposure: Millions in lost income
24:20 - The mortgage payment fallacy
27:20 - Bob Castiglione on proper insurance thinking
30:15 - Why whole life is an asset, not an expense
32:15 - The McLaren vs. Corolla insurance analogy
34:00 - Solomon Ebner on economic forces in human value 35:20 - Questions every father should ask himself
Key Questions for Reflection:
If you don't wake up tomorrow, can your wife continue staying home with the kids?
Will your children maintain their quality of life?
How much insurance would you want if you knew you'd die tomorrow?
Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !
Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)
Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)
Twitter: @remnantfinance (https://x.com/remnantfinance)
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
The 401(k) system promised financial security, but the numbers tell a different story. In this second part of our series, Hans and Brian delve into Fidelity's latest retirement savings data, revealing why the average American's retirement plan may be setting them up for failure.
From baby boomers with $250,000 balances to millennials drowning in target date funds, we break down what these numbers mean for your financial future. The math might look clean on paper, but real life has other plans – and the results are sobering.
Using actual data from millions of accounts, the hosts expose the gap between retirement planning promises and reality. When 25% of Gen X workers have loans against their 401(k)s and the average retiree faces a life of financial scarcity, it's time to question whether this system works for anyone except the financial industry selling it.
The Reality Check: Average Balances Don't Add Up The data is stark: baby boomers average $250K in 401(k)s and $250K in IRAs. Using the sacred 4% withdrawal rule, that's just $20,000 annually in spendable income after taxes. Brian and Hans walk through why even the "successful" savers are facing potential poverty in retirement, especially when you factor in today's cost of living.
The Target Date Fund Trap A staggering 70% of millennials are invested solely in target date funds. These funds create continuous taxable events through portfolio churning while charging excessive fees. The hosts explain why "set it and forget it" might be the worst advice young workers are receiving.
The Loan Problem Nobody Talks About One in four Gen X workers have outstanding loans against their 401(k)s, effectively disrupting the very compounding they were promised. This isn't a character flaw – it's proof that life happens, and when it does, people need access to their money. The hosts explore how this reality destroys the mathematical assumptions underlying retirement planning.
Why the 10x Rule is Setting You Up for Failure Fidelity recommends having 10x your income saved by age 67, but their own data shows the average person has saved for someone making just $50,000 annually. Hans breaks down the math: even if you hit this target, you're planning for a lifestyle of scarcity, not the retirement you actually want.
➡️ Chapters:
00:00 - Opening thoughts on 401(k) regrets and savings rates
01:00 - Part 2 begins: Fidelity's retirement data breakdown
04:00 - Average balances by generation - the sobering reality
07:00 - Hans: "I don't have a hint of regret" about avoiding 401(k)s
08:00 - Historical context: Why the 55-70 age group data matters
11:00 - The savings vs. investing language problem
16:00 - Traditional vs. Roth: Why 85%+ are in taxable accounts
20:00 - The outstanding loan crisis across generations
24:00 - Permission to spend: Breaking the scarcity mindset
28:00 - Target date funds: The "appalling" trend
34:00 - The airline industry comparison
38:00 - How to increase your savings rate
43:00 - The 10x rule exposed: Planning for poverty
48:00 - Final thoughts: Why this model is an "abject failure”
Got Questions? Reach out to us at info@remnantfinance.com or book a call at www.remnantfinance.com/calendar !
Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)
Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)
Twitter: @remnantfinance (https://x.com/remnantfinance)
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE
Traditional financial planning treats money like a mathematical equation, but real life doesn't follow spreadsheet projections. In this episode, Hans and Brian delve into why the standard financial planning process - with its fixation on the rate of return and perfect projections - fails to account for the complex realities of human behavior, economic volatility, and life's unexpected twists.
They challenge the fundamental assumptions behind retirement planning and explore why focusing solely on mathematical models leaves people unprepared for actual financial success. The conversation reveals how financial advisors can create unrealistic expectations by making flawed assumptions about tax rates, spending needs, and market performance.
From the compound interest myth to the behavioral realities that derail even the best-laid plans, this episode exposes why money isn't math and why treating it as such can sabotage your financial future.
The Instagram Filter Effect: Financial planning projections are like Instagram filters - they show a polished, unrealistic version of reality. Behind that smooth blue line of projected growth lies market volatility, human behavior mistakes, economic changes, and life emergencies that no spreadsheet can predict.
The Rate of Return Obsession: Most financial advice centers entirely around chasing the highest rate of return, but rate of return doesn't pay your bills or give you control over your time. More important factors include income generation, liquidity, and the ability to use your money for multiple purposes throughout your life.
The Compound Interest Myth: You cannot get true compound interest- or any interest, actually- from stocks, mutual funds, or market-based investments. Compound interest requires a guaranteed, specified rate of return. Market investments only provide price appreciation, which can go up or down, making "compound interest" calculations meaningless.
Why Average Returns Don't Matter: A portfolio that goes down 50% then up 50% averages 0% but you're still negative. Real returns depend on timing, sequence of returns, human behavior, and countless variables that averages can't account for.
The Behavioral Reality: Even if two people invest in the same fund at the same time with the same contributions, they'll likely have completely different outcomes due to human behavior - panic selling, FOMO buying, missing payments during emergencies, or getting distracted by the next hot investment.
Planning for Today, Not Just Tomorrow: Instead of deferring all enjoyment and financial freedom to some distant retirement date, consider what you can do now to create the life you want. Focus on building income streams and lifestyle flexibility rather than just accumulating numbers on a statement.
➡️ Chapters
00:00 - Money's Greatest Intrinsic Value
05:00 - The Debt Snowball Exception
08:00 - The Instagram Filter Analogy
13:00 - Average Retirement Savings Reality
16:00 - Why Compound Interest Doesn't Exist in Markets
20:00 - The 4% Rule Problems
26:00 - When Careers Disappear Overnight
31:00 - Human Behavior vs. Perfect Math
37:00 - The Magnificent Seven Market Manipulation
44:00 - Income vs. Rate of Return
48:00 - Living Your Dream Life Now
Got Questions? Reach out to us at info@remnantfinance.com or book a call at www.remnantfinance.com/calendar!
Visit https://remnantfinance.com for more information
FOLLOW REMNANT FINANCE
Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)
Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)
Twitter: @remnantfinance (https://x.com/remnantfinance)
TikTok: @RemnantFinance
Don't forget to hit LIKE and SUBSCRIBE